Fuling District Social Security Bureau: My old-age insurance deducted 628.2 yuan from me in September. What happened? I usually only deduct 270 yuan a month, but I remember correctly.

The treatment of retirees and the collection base of the basic old-age insurance fund this year shall be determined in accordance with the "average annual salary of employees in non-private units in cities and towns in our city in 2009" of 30,965 yuan.

Endowment insurance for employees: minimum monthly payment 123.84 yuan.

According to this base, taking the old-age insurance for urban employees as an example, the insured units pay premiums at 20% of the employees' wages every month (from June 65438+February 2009 1 to June 2000165438+1October 30, the actual social insurance premium payment rate of the insured enterprises in our city is/kloc-.

It should be noted that when the wages of employees do not reach the average wage level, they must be calculated at 60% of the average wage as the base of insurance payment; If the employee's salary is three times higher than the average salary, the insurance premium shall be calculated at 300% of the average salary as the insurance premium base.

This year, the average salary is 30,965 yuan, averaging to 12 months, and the monthly average base of pension insurance payment is 2,580 yuan.

At this time, employees can calculate by comparison. If your salary doesn't reach this figure, then the minimum monthly premium for participating in the endowment insurance for urban employees is: the insured payment base (2580 yuan) × the minimum calculation ratio of the payment base (60%)× the individual contribution ratio of employees (8%)= the monthly premium for the insured employees (123.84 yuan).

Accordingly, if the employee's salary is three times or even more than the average salary, the maximum monthly premium of the employee's pension insurance at this time is: the insured payment base (2,580 yuan) × the highest calculation ratio of the payment base (300%)× the individual contribution ratio of the employee (8%)= the maximum monthly premium of the insured employee (6 19.2 yuan).

This year, because the average wage as the collection base is higher than last year, the corresponding minimum payment for participating in employee pension insurance is also higher than last year 15.9 yuan.

Personal identity insurance: pay at least 309.8 yuan per month.

Among the people who participate in the old-age insurance for employees, there are some flexible employees who have no units and participate in this old-age insurance as individuals, and the payment is entirely borne by individuals. According to the policy, the proportion of employees who participate in the endowment insurance for urban employees in their personal capacity is 20%.

This means that according to this year's employee pension insurance payment base, 2580 yuan per month. At this time, the insured can freely choose the payment base of 60% to 100% according to their own economic income.

For example, people with relatively difficult economic conditions participate in employee pension insurance in their personal capacity, and their monthly payment base is 60% of the selected average salary. According to this calculation, his monthly premium this year is: payment base (2580 yuan) × payment base ratio (60%)× payment base ratio (20%)= monthly premium (309.8 yuan).

If the insured with better economic conditions chooses to pay 100% of the average salary, they need to pay 5 16.2 yuan.

It should be noted that people who participate in endowment insurance in their personal capacity, the longer they spend, the more they pay, and the better their future benefits.

Payment formula of employee pension insurance

The insured payment base (2580 yuan) × the minimum calculation ratio of the payment base (60%)× the individual contribution ratio of employees (8%)= the monthly premium that employees must pay (123.84 yuan).

Personal identity insurance payment formula

Insurance payment base (2580 yuan) × payment base ratio (60%)× insurance payment ratio (20%)= monthly premium (309.8 yuan) (